| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | REGENCE BLUESHIELD | $5.1M | $219K | $5.3M | 4.40% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | ASURIS NORTHWEST HEALTH | $182K | $37K | $218K | 5.07% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | LIFEMAP ASSURANCE COMPANY | $354K | — | $354K | 9.86% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | GROUP HEALTH OPTIONS, INC. | $263K | $0 | $263K | 8.60% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | GROUP HEALTH OPTIONS, INC. | $52K | $0 | $52K | 4.89% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | GROUP HEALTH OPTIONS, INC. | $53K | $0 | $53K | 5.11% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | LIFEMAP ASSURANCE COMPANY | $104K | $0 | $104K | 13.10% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | GROUP HEALTH OPTIONS, INC. | $26K | $0 | $26K | 4.35% |
| CAPITAL BENEFIT SERVICES, INC.3 Filed as: CAPITAL BENEFIT SERVICES INC | 15375 SE 30TH PL #380 BELLEVUE, WA 98007 | MAGELLAN BEHAVIORAL HEALTH | $15K | $0 | $15K | 11.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EPK AND ASSOCIATES, INC. EIN 91-1947441 PLAN ADMINISTRATOR | Direct payment from the plan; Plan Administrator Service code 14 | — | $3.2M |
| PERKINS COIE EIN 91-0591206 LAWYER | Legal; Direct payment from the plan Service code 29 | — | $67K |
| SWEENEY CONRAD, P.S. EIN 91-1301672 ACCOUNTANT | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $25K |
| UNITED STATES POSTAL SERVICE EIN 41-0760000 | Other services; Direct payment from the plan Service code 49 | — | $22K |
| SHORETT COMMUNICATIONS, LLC EIN 91-2196270 MARKETER | Other services; Direct payment from the plan Service code 49 | — | $21K |
| FEDERAL INSURANCE COMPANY EIN 13-1963496 INSURER | Direct payment from the plan; Insurance agents and brokers Service code 22 | — | $21K |
| KEY TRUST COMPANY EIN 34-0797057 TRUSTEE CUSTODIAN | Trustee (bank, trust company, or similar financial institution); Direct payment from the plan Service code 21 | — | $18K |
| PRINTWEST PRINTING SERVICES | Copying and duplicating; Direct payment from the plan Service code 36 | 6101 238TH STREET SE WOODINVILLE, WA 98072 | $13K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 41,513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 412 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 41,925 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(7 contracts, 4 carriers) | REGENCE BLUESHIELD | 30,586 | $129.9M |
| Dental(3 contracts, 3 carriers) | REGENCE BLUESHIELD | 30,586 | $127.6M |
| Vision(3 contracts, 3 carriers) | REGENCE BLUESHIELD | 30,586 | $127.6M |
| Life insurance | LIFEMAP ASSURANCE COMPANY | 21,137 | $796K |
| Short-term disability | LIFEMAP ASSURANCE COMPANY | 21,137 | $796K |
| Prescription drug(7 contracts, 4 carriers) | REGENCE BLUESHIELD | 30,586 | $129.9M |
| Other | REGENCE BLUESHIELD | 30,586 | $119.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,586 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.